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Beverage Cart Insurance

Get affordable, high-quality liability insurance for your beverage cart in 10 minutes or less with Food Liability Insurance Program (FLIP)!


Benefits of Beverage Cart Insurance

Whether your vending cart sells smoothies, boba tea, or coffee, FLIP offers peace of mind with high-quality coverage to protect your mobile business. 

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Customizable Coverage

Create a comprehensive insurance plan for your business with options like excess liability and Tools and Equipment Coverage or Professional Liability.

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Unlimited Additional Insureds

Include as many additional insureds as your business needs at no extra cost for reliable protection wherever your next job takes you.

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Instant Quote Process

Protect your beverage cart business in minutes with our easy, online checkout for instant access to your policy information via our online user dashboard.

What Is Beverage Cart Insurance?

Beverage cart insurance is a liability policy that protects you from third-party claims that might arise from your business operations. FLIP’s coverage can mitigate or even eliminate out-of-pocket costs from claims such as property damage or third-party bodily injury.

Whether you sell juice on the go or you have a mobile coffee cart, insurance provides a safety net to protect you from major unexpected expenses.  

Every business is different, which is why FLIP offers customizable options to give you exactly the coverage you need. You can increase your limits, get your gear covered, or add more coverages, so you have peace of mind while you do what you do best. 

Do Drink Carts Need Liability Insurance?

Yes! As a food industry business, your drink cart faces a unique set of liability risks. Just one claim can cost thousands of dollars or more, halting your operation and damaging your reputation.

Beverage cart insurance from FLIP can protect your business from these unexpected expenses. 

How Much Does Beverage Cart Insurance Cost?

The cost of beverage cart insurance starts at $25.92 per month or $299 per year. This price can change depending on three factors:

  1. Optional coverages you include
  2. Coverage limits you choose (amount of insurance)
  3. Gross income limit


FLIP also allows you to customize your plan with additional coverage options, including:

  • Cyber Liability Insurance: Covers financial losses caused by cybercrime – $8.25/Month
  • Professional Liability: Covers claims that may arise from your business operations – $10.42/Month
  • Tools and Equipment Coverage (Inland Marine): Covers damaged or stolen equipment – starts at $8.25/Month

Let’s Talk Numbers For Beverage Cart Insurance


Beverage Cart Insurance Coverage Details

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General Liability

Aggregate Limit: $2,000,000

Operating a mobile drink business comes with a unique set of risks, which is where general liability coverage comes in. FLIP protects you from pricey out-of-pocket claims like third-party bodily injury, property damage, products-completed operations, and more.

product liability

Product Liability

Aggregate Limit: $2,000,000

If a customer has an allergic reaction to one of your smoothies or gets food poisoning from your fresh-squeezed juice, you may be held liable for the associated costs. Product liability insurance could help cover the bill.

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Tools & Equipment (Inland Marine)

Aggregate Limit: $10,000

The tools of your trade are what keep your business rolling. Production and sales will screech to a halt if essential equipment—like blenders, espresso machines, or juicers—is damaged or stolen. Tools and equipment coverage can absorb some or all of the cost of repairing or replacing your gear.

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Damage To Premises Rented 

Aggregate Limit: $300,000

When your business goes where you go, your financial responsibility extends to the places you set up shop. When you rent a space at events, organizers and property owners will require your liability insurance to cover them as well. FLIP provides unlimited additional insureds at no extra cost, protecting you and your partners from liability claims.

Coverage Details Limits

General Liability Aggregate Limit


Products – Completed Operations Aggregate Limit


Personal and Advertising Injury Limit


General Each Occurrence Limit


Damage to Premises Rented to You Limit (Any One Premises)


Liability Deductible


Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)


Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible


Medical Expense Limit



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FAQs About Insurance for Drink Carts

FLIP’s base beverage cart insurance policy does not cover businesses that serve, sell, or provide alcohol. However, you can add liquor liability insurance to your policy.

If your business has alcohol on the menu, you will need this important coverage for alcohol-related accidents.

Running your drink cart can come with several types of risks, such as: 

  • A customer or bystander tripping over your equipment, causing bodily harm
  • Someone damaging or stealing your business equipment
  • A customer getting sick from a drink you served them
  • A fire or disaster destroying your business equipment or causing property damage


Insurance can help protect your business from these unexpected expenses, mitigating or even eliminating your out-of-pocket costs.

When you buy insurance you want to be sure it’s high-quality and reliable. Here are a few highlights of our coverage: 

  • Instant quote process
  • 24/7 access to policy documents
  • Convenient online purchasing
  • Licensed Nationwide*
  • General liability
  • Products and completed operations coverage
  • Personal and advertising injury coverage
  • Damage to premises rented coverage
  • Business personal property coverage


*FLIP is not currently available in Missouri.